Site Pollution Incident Legal Liability Select

Site pollution coverage made simple

Even a single incident of environmental pollution can have catastrophic consequences for a business. Given the potential expense of enforcement and legal actions, companies need expert help to mitigate and protect against risks stemming from this complex exposure.

Our Site Pollution Incident Legal Liability Select (SPILLS) coverage helps build a barrier between our customers and those risks. And our menu-driven coverage means policies can be tailored to each customer’s unique challenges, for reliable, affordable protection.

A protective partnership

Solutions for complex risks

With one of the most experienced underwriting teams in the industry, we’ve built a finely tuned suite of environmental insurance products across a diverse spectrum of risks.

Our SPILLS solution helps defray costs associated with third-party bodily injury and property damage claims as a result of a variety of environmental risks, including mold growth or the spill or release of hazardous substances.

Customers appreciate our team’s broad definition of pollutants, coverage for defense costs, and our ability to provide this specialized protection on a claims-made basis, to better serve their needs.

Expertise that delivers

Customers benefit not just from our specialized coverage, but from the collaboration and knowledge sharing between our underwriting and claims professionals.

This shared expertise is a hallmark of our approach, offering support and guidance that speak to each business’ unique circumstances. If issues arise, we can help protect your business against liability, including losses related to business interruption or legal defense.

From precision coverage and incident response to claims assistance and crisis management, we know what businesses need to succeed when facing environmental risks.

Better control over claims

After an environmental incident, you need a rapid response. Our claims staff is ready to provide a responsive and efficient claims management experience.

Our claims professionals work closely with the underwriters who develop our insurance programs, so they have a deep understanding of our customers’ operations and the environmental risks they face.

Add ongoing training, highly experienced senior claims leaders, and a culture that promotes proactive decision making and you get professionals who are empowered to resolve claims quickly and with each customer’s best interests in mind.

Our environmental customers also benefit from the following support and value-added services:

  • 24/7 emergency claims response hotline (1-888-292-0249)
  • Rapid on-site response via our Liberty Mutual Enviro Response mobile app
  • Crisis management and public relations services
  • Contract review services
  • Regulatory compliance assistance
  • Risk mitigation consultation

With us in your corner, you’ll have the tools and support you need to maintain profitability and protect your reputation in the event of an environmental incident.

Industries in focus

We offer industry-specific SPILLS coverage and services to protect against environmental risks across a variety of industries, including:

  • Education
  • Healthcare
  • Hospitality
  • Oil and gas
  • Real estate
  • Renewable energy

Contact our team to find out more.

Get in touch

Our commercial and specialty insurance products and services are distributed through brokers and agents. If you are interested in our solutions for your business, please contact your agent or broker. If you are an agent or broker, please reach out to our team for more information.

Maureen Domenicone

SPILLS Product Line Manager, Environmental

New Orleans, LA

Patrick Grassl

SPILLS Product Line Manager, Environmental

Boston, MA

Max Horn

SPILLS Product Line Manager, Environmental

New York, NY

Karen Reilly

SPILLS Product Line Manager, Environmental

Atlanta, GA

Environmental submissions

When environmental incidents occur, a prompt response is important.

With Liberty Mutual Enviro Response, our mobile claims app, environmental customers can benefit from real-time access to claims professionals and resources at the push of a button.


Related insights

This website is intended to be informational. Descriptions are provided only as a summary outline of the products and services available and are not intended to be comprehensive and do not constitute an offer to sell or a solicitation. The products and services described may not be available in all states or jurisdictions. See your policy, service contract, or program documentation for actual terms, conditions, and exclusions. Any inquiries regarding the subject matter set forth herein should be directed through licensed insurance professionals.

Coverage and insurance are provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries. When we offer insurance products, we will state clearly which insurer will underwrite the policy. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.